Michigan auto accident injury victims who did not have their own car insurance policy are often still eligible to receive no-fault insurance benefits. The Michigan Assigned Claims Plan accepts applications for personal injury protection benefits (PIP) made by a person who suffered accidental bodily injury arising out of the ownership, operation, maintenance, or use of a motor vehicle as a motor vehicle.
Claims under the Michigan Assigned Claims Plan can be made by vehicle occupants, pedestrians, and bicyclists. The driver or passenger of a motorcycle can also file a claim for benefits if the accident involved an uninsured motor vehicle (which was not another motorcycle). Claims are often made in cases involving hit and run accidents.
Determining Which Insurance Company Is Responsible
Many times it is difficult to determine which insurance company must pay the no-fault insurance claims after an auto accident. Factors that determine which insurance company is responsible for payment the benefits, include whether:
- The injured was the driver or occupant of the vehicle
- The injured person was pedestrian or bicyclist
- The injury victim was the driver or passenger on a motorcycle
- The accident involved a hit and run driver
- The injured person was covered under any other policy auto insurance policy
Any person (whether a Michigan resident or not) who is injured in an accident in Michigan, either while riding in or being struck by an uninsured Michigan-registered vehicle, will be covered by no-fault benefits through the Michigan Assigned Claims Plan, if there is no other policy of no-fault insurance available to the injured person.
WARNING: Benefits are not available from Assigned Claims to the owner (registrant) of an uninsured car or motorcycle who was injured in an accident while driving or occupying his or her own vehicle or motorcycle. Drivers of stolen cars or motorcycles are not eligible for benefits.
When an injured person is entitled to receive no-fault benefits through the Michigan Assigned Claims Plan, an application for bodily injury benefits must be submitted within one year of the date of the auto accident. The application can be submitted to the address below or you can file a claim online:
Assigned Claims Plan
P.O. Box 532318
Livonia, MI 48153
(734) 464-8111 (phone)
(734) 744-8552 (fax)
(734) 943-6068 (fax)
Michigan Assigned Claims Eligibility Requirements
A claim submitted to the Assigned Claims Plan is screened by staff to make sure it meets the eligibility requirements. If so, it is assigned to one of nine Michigan insurance companies for complete investigation. If the injured person is eligible for benefits, the assigned insurance company pays the claim. The Assigned Claims facility does not pay claims. The insurance company is then reimbursed by Assigned Claims facility for the amount paid to the victim. Assigned Claims is funded by all companies who write auto insurance policies in Michigan and all self-insurers.
To find out if you are eligible to make an Assigned Claims Plan application, call our experienced Michigan no-fault insurance lawyers today at (800) 606-1717 to discuss your case. We will explain your legal rights and help you get started on your road to recovery. We operate under our No Fee Promise, which means you will not owe a dime unless we can reach a settlement for you. There is nothing to lose so call today to discuss your situation!